Finance 
Finance Worx · Blog
Finance guides for every Kiwi.
Expert advice on vehicle finance, boat finance, business lending, and more — written by the team at Finance Worx.
Latest Articles
Browse our finance guides.
How Does a Finance Broker Get Paid in New Zealand?
Wondering if using a finance broker costs you more? Here's a straight answer on how broker fees work in New Zealand, what you actually pay, and what gets disclosed.
What Actually Happens After You Submit a Finance Application in New Zealand
Submitted a finance application and wondering what comes next? Here's exactly what happens behind the scenes — and what to expect at each stage.
Why One Lender Says Yes and Another Lender Says No
Been approved by one lender but declined by another — or wondering why the bank said no? Here's what's actually going on behind the scenes.
Dealer Finance vs Broker: What's the Difference and Which is Better?
Should you take the finance offered at the dealership or go through a broker? Here's an honest breakdown of how both work — and what the difference means for your rate and your options.
Caravan & Motorhome Finance NZ: Your Complete Guide
Planning to buy a caravan or motorhome in New Zealand? Here's everything you need to know about caravan finance — loan terms, deposit requirements, new vs used, and how to get approved.
Tradie Vehicle Finance NZ: Utes, Vans, and Work Vehicles for New Zealand Tradespeople
Your work vehicle is one of your most important business assets. Here's everything New Zealand tradespeople need to know about financing a ute, van, or work vehicle.
What Credit Score Do You Need for Vehicle Finance in New Zealand?
Wondering whether your credit score is good enough for vehicle finance? Here's what lenders actually look at, what the numbers mean, and how to give yourself the best chance of approval.
How Much Can I Borrow for a Car in New Zealand?
Wondering how much you can borrow for a car loan in New Zealand? Here's what affects your borrowing power, how lenders calculate what they'll lend, and how to maximise your options.
Using Debt to Your Advantage: Why Financing a Business Asset Beats Paying Cash
Most business owners assume paying cash is the smart move. Here's why the opposite is often true — and how smart use of debt can accelerate your business growth.
How Asset Finance Works in New Zealand: A Plain-English Guide
Asset finance is one of the most common ways Kiwis fund vehicles, boats, and business equipment — but how does it actually work? Here's a clear, straightforward explanation.
Ute Finance NZ: Your Complete Guide to Financing a Ute
Whether you're buying a ute for work or personal use, here's what you need to know about ute finance in New Zealand — loan terms, business vs personal lending, and how to get approved.
What Does a Finance Broker Do — and Why Use One Instead of Going Straight to Your Bank?
Most people don't realise what a finance broker actually does — or how much difference it can make to your rate, your approval, and your experience. Here's a plain-English explanation.
Boat Finance NZ: Your Complete Guide to Financing a Boat in New Zealand
Everything you need to know about boat finance in New Zealand — how it works, what lenders look for, loan terms, deposit requirements, and how to get approved fast.